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irl goy here, what's the reason *not* to use Klarna?
| Spruce thriller shrine | 12/04/25 |
| wild gunner idea he suggested | 12/04/25 |
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Poast new message in this thread
Date: December 4th, 2025 10:53 AM Author: Spruce thriller shrine I was buying a "towel warmer" online for my wife(also goy) and the "4 easy payments" Klarna ad popped up. It's the exact same price either way. So what is the catch - is it just that they gather detailed shopping info and send you ads? get to look at your credit report ? Or are they hoping you will miss a payment and hit you with some 99% apr upcharge? |
Date: December 4th, 2025 10:58 AM Author: wild gunner idea he suggested there’s zero downside and they make absolutely no money at all providing that service (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49482999) |
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Date: December 4th, 2025 11:00 AM Author: Spruce thriller shrine is this some uber 2017 zirp VC cash thing (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483005) |
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Date: December 4th, 2025 11:01 AM Author: violet soggy trust fund https://s205.q4cdn.com/644747736/files/doc_financials/2025/q3/Q3-2025-Earnings-Release.pdf (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483007) |
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Date: December 4th, 2025 12:03 PM Author: turquoise kitchen skinny woman (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483228) |
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Date: December 4th, 2025 11:00 AM Author: Yellow bespoke mexican university they charge the retailer a %. it's the same thing with stores that used to offer 0% APR but instead of having a separate financing plan at every retailer these guys are trying to create a centralized system for retailer-funded low APR financing. that's why different retailers have different options.
it is a no brainer, but like most of these things it's a prole goy honeypot. people with money aren't going to worry about 0% APR on a couple hundred bucks. it's free money but not enough to care. meanwhile prole goys are gonna go ham and have trouble getting out from under it.
seeing klarna pop up as an option for mcdonalds purchases is giving me flashbacks of "no payments for 6 months!" interest only mortgages on 2007. |
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Date: December 4th, 2025 11:26 AM Author: Fluffy immigrant What if they repossess my bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483081) |
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Date: December 4th, 2025 11:33 AM Author: Yellow bespoke mexican university ESPECIALLY your bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483109) |
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Date: December 4th, 2025 11:10 AM Author: embarrassed to the bone station A girl in my class is underwater on some McNuggets not flame (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483020) |
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Date: December 4th, 2025 11:34 AM Author: soul-stirring obsidian forum you should provide her a "bailout" (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483113) |
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Date: December 4th, 2025 3:54 PM Author: razzle cobalt theatre My sous vide! (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483996) |
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Date: December 4th, 2025 11:30 AM Author: histrionic mildly autistic hunting ground This is how you know America is actually 70% brown now. This would’ve been completely absurd with our demographics from like 15 years ago (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483100) |
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Date: December 4th, 2025 11:44 AM Author: Clear Indian Lodge Travel Guidebook (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483150) |
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Date: December 4th, 2025 11:52 AM Author: Unhinged pungent trailer park (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483184) |
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Date: December 4th, 2025 12:04 PM Author: Lascivious fiercely-loyal school faggotry (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483229) |
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Date: December 4th, 2025 12:23 PM Author: French casino ladyboy The phenomenon of putting *everything* on a credit card was widespread by then.
I don't see how this new BNPL stuff is substantially different than using a CC. |
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Date: December 4th, 2025 12:24 PM Author: Lascivious fiercely-loyal school faggotry I use CC for whatever I can because I get points/miles/other benefits but I never run a balance. BNPL is pure credit at shitty rates. (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483292) |
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Date: December 4th, 2025 2:21 PM Author: Hairraiser godawful tanning salon this is yet another layer of jewish debt magic underneath your credit card debt
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Date: December 4th, 2025 2:15 PM Author: cordovan abode (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483648) |
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Date: December 4th, 2025 2:19 PM Author: 180 boltzmann This is how you know XO is full of shit when they claim to be simple prole men of America born to the working class
The Walmart layaway counter was the exact same shit 30 years ago |
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Date: December 4th, 2025 2:45 PM Author: Narrow-minded State You didn’t get your shit until you made the final payment. Layaway was to hold a specific item at a specific price when availability was less predictable. (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483719) |
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Date: April 3rd, 2026 7:48 PM Author: Taylor Swift is not a hobby she is a lifestyle (πΊπΈ π΅π±) (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49792116) |
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Date: December 4th, 2025 11:36 AM Author: Citrine meetinghouse the "free money" argument is some real prole shit. jew here. lol @ the opportunity cost on the $75 you spent to buy headphones. that's peanuts and not worth worrying about when there's a risk of a missed payment and fucking up your credit.
much easier to get large amounts of "free money" in other ways |
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Date: December 4th, 2025 11:37 AM Author: Spruce thriller shrine nffi, I remember your nordstrom return arbitrage stories. that was *way* more work than this (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483120) |
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Date: December 4th, 2025 11:38 AM Author: Citrine meetinghouse i wasnt doing it for the arbitrage. i was doing it to borrow clothes, and the arbitrage is just a bonus. (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483125) |
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Date: December 4th, 2025 11:55 AM Author: opaque comical partner depressive let’s say op goes big though, and makes a $200 purchase, with 25% down and 25% due over each of the next three months. assuming an 8% apr opportunity cost, he just netted $2. if it takes him 20 minutes to fill in his info, set up autopay, and confirm the transfers over the life of the loan, dood is bringing down a cool $6/hour. are you too good to work for $6/hr, hotshot? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483194) |
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Date: December 4th, 2025 12:02 PM Author: Spruce thriller shrine dbg oddly silent (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483220) |
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Date: December 4th, 2025 12:04 PM Author: Citrine meetinghouse rofl he's making my point (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483232) |
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Date: December 4th, 2025 11:38 AM Author: Wonderful henna crackhouse Legal hypo: Assume you order a chipotle burrito and ask for guac but quickly cancel and then pay with klarna just as the guac leaves the guacscoop, then you default on your loan, can your SNAP/EBT benefits be garnished? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483123) |
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Date: December 4th, 2025 12:02 PM Author: turquoise kitchen skinny woman (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483221) |
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Date: December 4th, 2025 11:43 AM Author: Dead Locus Newt How long do you have to pay it off without interest? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483140) |
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Date: December 4th, 2025 11:46 AM Author: soul-stirring obsidian forum (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483156) |
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Date: December 4th, 2025 11:47 AM Author: Motley Primrose Property Rach can you turn on location for every post like they did on Twitter (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483159) |
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Date: December 4th, 2025 11:48 AM Author: Dull Office Sound Barrier (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483165) |
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Date: December 4th, 2025 11:51 AM Author: aromatic medicated community account fortuitous meteor https://x.com/paul_hundred/status/1996621366184075337 (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483180) |
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Date: December 4th, 2025 11:56 AM Author: Spruce thriller shrine we're famous again bros (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483198) |
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Date: December 4th, 2025 11:58 AM Author: razzmatazz pervert principal's office (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483205) |
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Date: December 4th, 2025 3:47 PM Author: Maize swashbuckling foreskin (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483977) |
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Date: December 4th, 2025 12:02 PM Author: turquoise kitchen skinny woman Klarna’s a bitch (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483222) |
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Date: December 4th, 2025 2:14 PM Author: onyx institution Can illegals use this shit? You need a SSN or what? Is there widespread beaner fraud? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49483643) |
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Date: April 3rd, 2026 7:48 PM Author: just be racist If ur not debtmaxxing rn ur dumb af (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2E#49792117) |